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Chicago Firefighters Credit Union

Rates and Fees
All dividend and interest rates stated are Annual Percentage Rate (APR)

Rates effective as of 2/5/2014

Dividends Paid
Regular Shares 3/31/13 6/30/13 9/30/13 12/31/13 3/31/14**
 $25.00 - $499.99 0.00% 0.00% 0.00% 0.00% 0.00%
 $500.00 and over 0.25% 0.25% 0.25% 0.25% 0.25%

**Anticipated dividends to be paid

Share Draft (checking)
paid monthly
3/31/13 6/30/13 9/30/13 12/31/13 3/31/14**
 $500.00 and over 0.10% 0.10% 0.10% 0.10% 0.10%

**Anticipated dividends to be paid

Goal Saver Account
paid quarterly
3/31/13 6/30/13 9/30/13 12/31/13 3/31/14**
 No Minimum 0.25% 0.25% 0.25% 0.25% 0.25%

*Anticipated dividends to be paid
** Four withdrawals allowed per year, additional withdrawals are subject to an early withdrawal fee

Christmas Club** 3/31/13 6/30/13 9/30/13 12/31/13 3/31/14**
No Minimum 0.25% 0.25% 0.25% 0.25% 0.25%

*Anticipated dividends to be paid
**Withdrawals made prior to 9/30/14 are subject to an early withdrawal fee

 Certificate of Deposit* Term Minimum Balance Rate Paid at Maturity*
6 Month $1,000 0.35% Renewals Only
12 Month $1,000 0.60% Closed to "new money"
**Withdrawals made prior to maturity are subject to a loss of 90 days dividend

Loan Rates
 Type Monthly Rate Term (max) Financing Conditions

 New Vehicle - Previously Untitled, Maximum $75,000, Less than 10K miles
Auto
Truck
Motorcycle
Boat
as low as 1.25%  36 mos. 90.00% up to 100% with GAP insurance
as low as 1.75%  48 mos. 90.00% up to 100% with GAP insurance
as low as 2.25% 60 mos. 90.00% up to 100% with GAP insurance
as low as 2.75% 72 mos. 90.00% up to 100% with GAP insurance
as low as 3.25% 84 mos. 90.00% up to 100% with GAP insurance

 Used Vehicle -- **Age of vehicle plus term of financing cannot exceed 10 years ***Maximum $50,000*** Antiques*

as low as 1.75%  36 mos. 100.00%  Black Book Avg retail value

as low as 2.25%  48 mos. 100.00%  Black Book Avg retail value
  as low as 2.75% 60 mos. 100.00%  Black Book Avg retail value
as low as 3.25% 72 mos. 100.00%  Black Book Avg retail value
as low as 3.75% 84 mos. 100.00%  Black Book Avg retail value
*Certified appraisal required 100.00%  Appraisal Amount
  Misc. Motor Vehicle (non-titled vehicles-Jet Skis, Snowmobiles, ATV's, etc.)

as low as 6.25%  36 mos. 100.00%  Black Book Avg retail value

as low as 6.75%  48 mos. 100.00%  Black Book Avg retail value

as low as 7.25%  60 mos. 100.00%  Black Book Avg retail value

 Share Secured

2.25% 60 mos. 100.00%  Limited to available share
 balance
3.25% 120 mos. 100.00%  Limited to available share
 balance
 Home Equity*
 Fixed Rate CURRENTLY CLOSED
 Variable (Prime) CURRENTLY CLOSED

*$100 application fee, $400 processing fee.  

 Signature and Cosigner
 Signature and Cosigner as low as 2.75% 12 mos. Maximum $10,000 member signature
Maximum $15,000 with qualified CFD employee
 Signature and Cosigner as low as 4.75% 24 mos.
 Signature and Cosigner as low as 6.25% 36 mos.
 Signature and Cosigner as low as 7.75% 48 mos.
 Signature and Cosigner as low as 9.25% 60 mos.
 Visa Card
9.11% N/A $10,000.00  Member Signature

All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.

State Regulations discourage the payment of dividends in excess of available earnings.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government,
National Credit Union Administration (NCUA), a U.S. Government Agency.

    
 
2014 Chicago Firefighters Credit Union